Disability Insurance

What is Disability Income Insurance?

Disability Income Insurance is a form of insurance that insures the beneficiary’s earned income against the risk that a disability will make working, and therefore earning money, impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits.

Who Needs Disability Income Insurance?

More than a quarter of today’s 20 year olds will become disabled, according to the Social Security Administration (SSA). It does not have to be a freak injury that prevents you from working – back injuries, cancer, heart disease or other illnesses are the majority of the reasons for long-term absences.

Are you prepared if you can’t work due to a long-term disability? The average long-term disability last 2 1/2 years; do you have the emergency savings to survive that long without an income? If not, you need to make sure you have disability income insurance.

Individual Disability Insurance

Individual disability insurance offers multiple options for coverage, and a policy can be tailored to your needs. Since individual disability insurance policies are paid with after tax dollars, you don’t pay taxes on the benefits you receive.

Let us shop the market for you!

This is a proprietary website. and is not, associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program
please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov